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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,938 | $68,868-79.8% | $183,328-92.4% | $67,986-79.5% |
| Participation rate | 54.5% | 57.0%-2.5pp | 77.3%-22.8pp | 57.2%-2.7pp |
| Annual return | 17.15% | 28.80%-11.6pp | 29.67%-12.5pp | 31.67%-14.5pp |
| Employer contribution / active EE | $1,464 | $2,917-49.8% | $5,055-71.0% | $2,019-27.5% |
| Participant deferral / active EE | $1,968 | $4,364-54.9% | $6,795-71.0% | $3,358-41.4% |
| Admin fee / account holder | $2,393 | $3,805-37.1% | $21,427-88.8% | $3,203-25.3% |